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Nationwide Commercial Truck Insurance Tailored to Your Operation
At Insurox, we provide commercial truck insurance tailored for drivers, owner-operators, and fleet managers. We work with 20+ top-rated insurance companies to offer custom coverage, great rates, and reliable service nationwide.
From box trucks to semis, we cover all truck types with policies tailored for local, regional, and long-haul operations.
Why Choose Insurox for Your Truck Insurance?
- Customized policies for your unique trucking risks
- Flexible payment plans to suit your budget
- Discounts for safe driving and experience
- Access to both admitted and non-admitted carriers
- Coverage available in all 50 states
- Expert support for difficult-to-place risks
We insure all truck types, with policies tailored for local, regional, and long-haul use. We speak your language, know your industry, and fight to get you the coverage you need at a price you can afford.
Commercial Trucks we Insure:
Benefit from our value-added services:
Specialized Owner-Operator Insurance Coverage
If you’re an owner-operator, we adjust your coverage based on how you run—leased or independent. Every trucking business is different, so we offer personalized policies based on your operations and driving habits.
Under Permanent Lease to a Motor Carrier
Most motor carriers provide Primary Liability coverage, but you’re still responsible for purchasing additional protection, including:
- Non-Trucking Liability (NTL) – Covers you when driving off-duty or without dispatch
- Physical Damage Coverage – Covers repairs or replacement if your truck is damaged or stolen
- Motor Truck Cargo Insurance – Covers the goods you’re hauling
- Bobtail Liability – Coverage when driving without a trailer
- Trailer Interchange – Covers non-owned trailers under interchange agreements
- BMC-84 Broker Bond – Required for operating under broker authority
Let our team review your lease agreement and tailor a policy that satisfies requirements and safeguards your business.
State-by-State Trucking Coverage Insights
Insurance regulations and trucking risks vary widely by state. Here’s a snapshot of how Insurox helps across the country:
- California: High liability limits, CARB compliance, and strict emission rules
- Texas: Long-haul corridor coverage, oil field exposure
- Florida: Port and hurricane risk considerations
- New York: Dense urban risk, toll and regulatory coverage
- Illinois: Midwest logistics hubs and rail intermodal freight
Wherever your business is based, we understand the local rules and regional risks so you don’t have to.
Trucking Industry Trends in 2025
The trucking industry is evolving. Insurox stays ahead of the curve with policies built for today’s challenges:
- Growth in e-commerce and last-mile delivery increases demand for box trucks and cargo vans
- Increased telematics and dash cam usage for risk mitigation and claim defense
- Emerging fuel technologies and EV truck fleets
- Rising cargo theft and cyber liability risks
We help trucking companies future-proof their insurance needs as the market changes.
UIIA & Intermodal Trucking Insurance
Insurox is a UIIA-authorized agency offering coverage for intermodal trucking nationwide. We insure fleets and owner-operators moving containers to and from ports, rail yards, and warehouses.
The Uniform Intermodal Interchange and Facilities Access Agreement (UIIA) is a standard contract required by most intermodal equipment providers. To operate under the UIIA, your trucking company must carry specific types of insurance with specific minimum limits:
- General Liability – Typically required at $1,000,000 per occurrence
- Auto Liability – Minimum of $1,000,000 CSL
- Cargo Insurance – Minimum of $100,000, depending on the type of freight
- Trailer Interchange – Usually $20,000 to $50,000 limit per trailer
- Workers’ Compensation – Required in many states if you have employees
We assist with certificate issuance and electronic filing directly to the UIIA system. Insurox understands the operational demands and tight deadlines of port and rail freight. We move quickly so you can stay compliant and avoid downtime.
Helpful UIIA & Federal Links
Frequently Asked Questions
We offer insurance for a broad range of commercial trucks and trailers, including box trucks, semi-trailers, flatbeds, and dump trucks.
Yes, Insurox offers multi-vehicle discounts and customized programs for fleet risk management.
Yes, we assist with BOC-3, UCR, and many other required trucking compliance filings.
Bobtail insurance provides coverage when you operate your truck without a trailer, not under dispatch. Non-Trucking Liability covers you when you’re off dispatch or not working under a carrier’s authority.
Yes. We have access to specialty markets that can handle tough-to-place risks like poor CSA scores, new ventures, and recent losses.
We provide commercial truck insurance in all 50 states.
In most cases, we can provide you with a customized quote within 24 hours or less.
